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Brazil Cards and Payments: Opportunities and Risks to 2029

Publisher GlobalData
Published Oct 07, 2025
Length 94 Pages
SKU # GBDT20528962

Description

Brazil Cards and Payments: Opportunities and Risks to 2029

Summary

GlobalData’s ‘Brazil Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the Brazilian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, card, credit transfer, direct debits, and cheques during the review-period (2021-25e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

GlobalData’s ‘Brazil Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the Brazilian cards and payments industry, including:
  • Current and forecast values for each market in the Brazilian cards and payments industry, including debit, credit and charge cards.
  • Detailed insights into payment instruments including card, credit transfer, cash, direct debits, and cheques. It also, includes an overview of the country's key alternative payment instruments.
  • Ecommerce market analysis.
  • Analysis of various market drivers and regulations governing the Brazilian cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of the Brazilian cards and payments industry.
Key Highlights
  • Merchants, banks, and payment solution providers are increasing launching payment products which offer convenience and security. For instance, in July 2024, the fuel retailer Shell and Nubank partnered to enable users to make contactless payments for fuel purchases using the Nupay payment solution via the Shell Box app. To use the service, consumers need to register their Nupay account within Shell Box. They can do this by selecting Nubank from the payment methods menu. This action directs users to the Nubank app, where they can choose between a credit or debit card for payments.
  • The BCB is incorporating a range of new features into Pix to enhance its utilization. In November 2024, the bank launched Pix by Proximity for Google Wallet users; enabling contactless payments at NFC-compatible terminals. Subsequently, in February 2025, a tap-to-pay feature was introduced which allows users to make contactless payments by tapping their smartphones on POS terminals. Most recently, in June 2025, the BCB introduced Pix Automatico; a new recurring payments feature that enables users to authorize automatic payments for utilities, subscriptions, and more with a single consent.
  • The uptake of alternative payment solutions that offer security and convenience is rising in Brazil. Google Wallet launched in Brazil in July 2024. It allows NFC-enabled Android devices to store debit and credit cards for payments. In addition to online and in-store payment functionality, Google Wallet allows users to store tickets, boarding passes, keys, and IDs. If users have a debit or credit card saved to their Google account, the card automatically appears within Google Wallet. To add a new card, users select the ‘add a card’ option. After verifying the card information, users can pay in stores that accept contactless payments via Google Wallet. To make in-store payments, users unlock their smartphone and place it over the NFC terminal, which automatically detects the default card.
Scope
  • Card market size in terms of number of cards, value and volume of transactions in Brazil along with detailed card segmentation of debit, credit and charge cards available in the country.
  • Market sizing and analysis of major payment instruments including card, credit transfer, cash, direct debits, and cheques.
  • Payment market trends and growth for both historical and forecast period
  • Competitor analysis with detailed insights into leading card issuers and schemes.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to the Brazilian cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in the Brazilian cards and payments industry.
  • Assess the competitive dynamics in the Brazilian cards and payments industry.
  • Gain insights into marketing strategies used for various card types in Brazil.
  • Gain insights into key regulations governing the Brazilian cards and payments industry.

Table of Contents

94 Pages
1. Executive Summary
2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Card Payments Acquiring
6. Ecommerce Payments
7. In-Store Payments
8. Buy Now Pay Later
9. Digital Wallet Payments
10. P2P Payments
11. Bill Payments
12. Alternative Payments
13. Payment Innovation
14. Job Analysis
15. Payment Infrastructure and Regulation
16. Appendix
List of Tables
Key facts, 2024
Benchmarking of payment cards, 2024
Payment instrument transaction values (LCU), 2021-29f
Payment instrument transaction values ($), 2021-29f
Payment instrument transaction volumes (units), 2021-29f
Payment cards in circulation by type (units), 2021-29f
Volume of payment card transactions (units), 2021-29f
Value of payment card transactions (LCU), 2021-29f
Value of payment card transactions ($), 2021-29f
Debit cards in circulation (units), 2021-29f
Debit card transaction volumes, 2021-29f
Debit card transaction values (LCU), 2021-29f
Debit card transaction values ($), 2021-29f
Debit cards in circulation by scheme (units), 2021-25e
Debit card transaction values by scheme (LCU), 2021-25e
Debit card transaction values by scheme ($), 2021-25e
Debit cards in circulation by issuer (units), 2021-25e
Debit cards transaction value by issuer (LCU), 2021-25e
Debit cards transaction value by issuer ($), 2021-25e
Credit and charge cards in circulation (units), 2021-29f
Credit and charge card transaction volumes, 2021-29f
Credit and charge card transaction values (LCU), 2021-29f
Credit and charge card transaction values ($), 2021-29f
Credit and charge cards in circulation by scheme (units), 2021-25e
Credit and charge card transaction values by scheme (LCU), 2020-24e
Credit and charge card transaction values by scheme ($), 2021-25e
Credit and charge cards in circulation by issuer (units), 2021-25e
Credit and charge cards transaction value by issuer (LCU), 2021-25e
Credit and charge cards transaction value by issuer ($), 2021-25e
Credit cards in circulation (units), 2021-29f
Credit card transaction volumes, 2021-29f
Credit card transaction values (LCU), 2021-29f
Credit card transaction values ($), 2021-29f
Credit cards in circulation by scheme (units), 2021-25e
Credit card transaction values by scheme (LCU), 2021-25e
Credit card transaction values by scheme ($), 2021-25e
Credit cards in circulation by issuer (units), 2021-25e
Credit cards transaction value by issuer (LCU), 2021-25e
Credit cards transaction value by issuer ($), 2021-25e
Charge cards in circulation (units), 2021-29f
Charge card transaction volumes, 2021-29f
Charge card transaction values (LCU), 2021-29f
Charge card transaction values ($), 2021-29f
Charge cards in circulation by scheme (units), 2021-25e
Charge card transaction values by scheme (units), 2021-25e
Charge card transaction values by scheme ($), 2021-25e
Prepaid cards in circulation (Units), 2021-29f
Prepaid card transaction values (LCU), 2021-29f
Prepaid card transaction values ($), 2021-29f
Merchant acquiring transaction volume (billions), 2021-29f
Merchant acquiring transaction value (LCU), 2021-29f
Merchant acquiring transaction value ($), 2021-29f
Merchant acquirers’ transaction volumes (Units), 2021-25e
Merchant acquirers’ transaction values (LCU), 2021-25e
Acquirers’ transaction values ($), 2021-25e
Retail outlets and card-accepting merchants (Units), 2021-29f
Debit card average interchange fees (%), 2021-25e
Credit and charge card average interchange fees (%), 2021-25e
Debit card merchant service charge and interchange fee (%), 2021-29f
Credit and charge card merchant service charge and interchange fee (%), 2021-29f
Retail market by product categories (LCU), 2021-29f
Retail market by product categories ($), 2021-29f
Retail market by service categories (LCU), 2019-23
Retail market by service categories ($), 2019-23
List of Figures
Inflation rate
GDP growth rate
Payment instruments transaction value and volume
Instant payments transaction value and volume
Card penetration
Card payments by value
Debit card frequency of payments and average transaction value
Debit card schemes transaction value and volume
Debit card issuers by number of cards and transaction value
Credit card frequency of payments and average transaction value
Credit card schemes transaction value and volume
Credit card issuers by number of cards and transaction value
Credit card debt
Prepaid Cards: Market Sizing and Forecasting
Contactless card holding and usage in detail
Card payments acquiring nimver of transactions and transaction value
Retail product market by product categories
Retail service market by service categories
E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
Ecommerce market by product and services
Ecommerce market by paymnet tools
Factors driving in-store payments and In-store transaction value by payment method
In-store transaction value by products and services
BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
BNPL online transaction value and transaction volume
BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
Mobile wallet holding and use by demographic
Mobile wallet funding methods, mobile wallet preference by product/service and mobile wallet ownership by brand
Domestic and international P2P money transfers
Paymnet tool preference for bill payment and bill paymnet frequency
Active jobs intensity in the country
Number of POS terminals and ATMs

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